The impact of SCA on your business can vary depending on the type of purchase, whether you charge a customer during or after checkout, and even which bank your customer uses. Stripe has designed SCA-ready payment APIs and products to help you manage this complexity and minimize the impact of SCA on your checkout conversion.

SCA changes your checkout flow

Initiate a payment

Your customer fills in their card details and completes the checkout form to initiate the payment.

Trigger dynamic authentication(new)

Stripe’s platform detects whether authentication is needed. If required, we use 3D Secure 2 to authenticate the customer using a one-time passcode or biometric ID, depending on what their bank supports.

Complete a payment

Once a customer’s identity has been confirmed through 3D Secure, the card can be charged.

Many businesses can easily incorporate this dynamic authentication step into existing checkout flows. Businesses that store cards to charge them later, when customers aren’t in the checkout flow, may need to get some customers back online to authenticate purchases.

Pre-built checkout flows

Get started quickly and easily with the new Stripe Checkout—a smart payment page that lets you create an end-to-end, conversion-optimized checkout flow, with just a few lines of code. Checkout dynamically detects when SCA is needed and offers in-checkout verification using 3D Secure 2.

Stripe’s new Checkout page is a smart payment page that adapts to SCA requirements

Built-in subscription logic

For businesses accepting recurring payments, Stripe Billing identifies which subscription charges require authentication and can even trigger an email to a subscriber when additional authentication is needed.